Does anyone have suggestions for a good MA health insurance provider?

-I changed companies and the new family plan yearly premium is almost $10,000 and the single plan is $1,000. Ridiculous! Deductible is $1,000 for single and $2,000 for family.



My wife said to just get the single and she will get her own insurance. She works but her company doesn't offer health insurance. I am looking for a good decent health plan for my wife in MA. Does anyone have any good suggestions?



One option I saw was for BCBS at $3,500 yearly premium/ $3,000 deductible; they're "Blue Basic Saver." Doesn't sound bad, but it's $60 copay after deductible just to see your primary care. I want to provide her with good health insurance but we both don't want to pay $10,000/year for the plan!



I guess I'm just looking for advice. I feel lost about this and it's pissing me off. The whole health care system is so expensive and confusing. Thanks!



FYI: in the Boston area, combined average income about $75k.If it's the "Access Blue Basic Saver" you are looking at. It's an HSA plan. You pay the the first $3000 of everything except preventive. Dr visits, Prescriptions, tests etc. Then you pay 35% of costs until you have spent the out of pocket max of $5950. Double that for a family.

If you look at the $3500 premium and the possible expense of an additional $5950 it's probably a better deal to have a family plan from your employer.

Premiums through the employer are pre tax and the individual premium is after tax.

Boston has the highest rates in the state for most insurances and most other options will be in the same price range.

How much do Investigative Unit Claims Associate for an insurance company make a year?

-thxThe salary range for Insurance adjusters is usually between $35-$75k p/yr depending on experience. Some people that work as independent disaster adjusters can make well over $100k depending on the type and extent of the disasters.

If i went to a walk in clinic without insurance for treatment of an infection how much would i expect to pay?

-Like in total, and will I still pay with insurance?It depends on what type of infection. It would usually be 50-60 to walk in and then whatever testing they do might bring it up to a few hundred. Most times you would also have a copay even if they take your insurance.
Like, I'm not psychic. $55-$300

Can my wife get help to have a ramp built on our Oklahoma house?

-we live in Buffalo , Oklahoma in Northwest part of the stateYes im sure there are plenty of organizations in you area that may be able to help you. My suggestion to you would be to contact your mayor and ask for a list of charity's who help people in your situation.



Also maybe you can build your own ramp out of some mattresses so you might be able to roll her threw the threshold of the door way take it she fits threw the door etc..
If you are disabled or a handicap vet, contact your local Lions club, they often build these to help out.

In case future employer drops health insurance (Obama care)..should I negotiate salary increase to offset?

-I am interviewing for a new company in Florida. I saw on the news that as many as 30% of employers plan to drop group health insurance when the Health Reform Act kicks in. Naturally, this is an expense I don't want to incur without some sort of mitigation in place. Should I negotiate this at the "offer" stage - that should they drop group medical insurance in the future, they are required to increase my salary by X%? I know it sounds ridiculous now, but next year and beyond 鈥?this request might be commonplace.Under ObamaCare - which has nothing to do with care or Obama, companies with 50 or more employees are required to offer health insurance. It is estimated that 30% of companies will stop offering insurance, but if you are one of the companies that is required to offer it, you are required to pick up a portion of the cost of the person's private insurance.



And to answer your question = NO, it's not something that you would negotiate now. Right now, the company can drop it tomorrow with no legal ramifications. So you have more of a chance of keeping it in the future (or at least get the cost supplemented).
No you shouldn't negotiate now, all companies will be facing the same problem and the company will address the issue with everyone when 2014 rolls around.



But the first responder was wrong, many companies will drop coverage because it will be cheaper to pay a few grand per employee (fine/fee for not offering health care) than to pay to expand coverage to point required by the health reform act. As an insurance industry professional I can attest that this legislation was a poorly crafted disaster. I fully respect people's desire to either have the government pay for health care or to simply kill insurance companies but all this legislation does is add to the Rube Goldberg like system we have for insurance.
You should not negotiate it now. First, this is a very difficult time to negotiate for anything in job offers. It will be easier to get what you want after the economy improves and it becomes harder to find workers and easier to find jobs.



Also, what was on the news was that one -- and only one -- study said that, even though every other study had already said the exact opposite.
No, you are not in negotiating position because the reason for dropping employee insurance is so employees can purchase their own insurance from the exchange with a tax credit subsidy.
" I saw on the news that as many as 30% of employers plan to drop group health insurance when the Health Reform Act kicks in."



They aren't allowed to do that under the new healthcare legislation.

Export Credit Guarantee vs Insurance?

-What is the difference between an Export Credit "Guarantee" and Export Credit "Insurance"?

I have my National Insurance Card- does this mean I can get a part-time job?

-I'm 15, 16 in 2 months. ^^



I was under the impression that I had to be sixteen, but apparently the moment I get my card I can seek part-time employment?



Thans for any help-.